![Tom Brady [Refractor] #105 (Football Cards 2006 Topps Finest) — is it worth grading?](https://i.ebayimg.com/images/g/tcEAAeSwRo9qVDt5/s-l1600.jpg)
Is Tom Brady [Refractor] #105 worth grading?
Football · Football Cards 2006 Topps Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Tom Brady [Refractor] #105 sells for $1,080 against $328 raw: a $752 spread, 3.3× the ungraded price. Even a PSA 9 ($900) clears the raw price after an economy-tier ~$25 fee, so a near-miss still comes out ahead. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $328
- PSA 10
- $1,080
- PSA 9
- $900
- Gem premium
- 3.3×
- As of
- Jul 11, 2026
Break-even by outcome and fee
| If it comes back… | Sells for | Economy / bulk (~$25.00) | Standard (~$50.00) | Express (~$150) |
|---|---|---|---|---|
| Gem — PSA 10 | $1,080 | +$727 | +$702 | +$602 |
| PSA 9 | $900 | +$547 | +$522 | +$422 |
| PSA 8 | $325 | −$27.62 | −$52.62 | −$153 |
Net = sale price − $328 raw value − fee. Fee tiers are illustrative; plug your grader's current price into the calculator below.
Expected value — how often does it need to gem?
| Chance it gems | Expected sale | Expected net (standard fee) |
|---|---|---|
| 25% | $945 | +$567 |
| 50% | $990 | +$612 |
| 75% | $1,035 | +$657 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
Which grader pays the most — and what a 10 takes
All centering standards →| Grader | 10 sells for | vs best | Front centering for a 10 | Back |
|---|---|---|---|---|
| BGS 10 | $1,404 | best | 55/45 | 70/30 |
| PSA 10 | $1,080 | −$324 | 55/45 | 75/25 |
| CGC 10 | $648 | −$756 | 55/45 | 75/25 |
| SGC 10 | $648 | −$756 | 55/45 | 75/25 |
Tolerances are each company's published centering standard for its top grade; surface, corners and edges must also be clean. Centering is the one you can measure yourself before you pay.
Full grade ladder
Raw conditions & history →| Grade | PSA | CGC | BGS | SGC | Graded |
|---|---|---|---|---|---|
| 10 | $1,080 | $648 | $1,404 | $648 | — |
| 9.5 | — | — | — | — | $990 |
| 9 | — | — | — | — | $900 |
| 8 | — | — | — | — | $325 |
| 7 | — | — | — | — | $250 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2006 Topps Finest cards worth checking
Full set checklist →
![Tom Brady [Blue Refractor] #105 2006 Topps Finest card](https://i.ebayimg.com/images/g/jq0AAeSw4NdqVDnV/s-l500.jpg)
![Tom Brady [Green Refractor] #105 2006 Topps Finest card](https://i.ebayimg.com/images/g/KYcAAeSwbEZqSKcl/s-l500.jpg)
Grading Tom Brady [Refractor] #105 — FAQ
Is Tom Brady [Refractor] #105 worth grading?
A PSA 10 Tom Brady [Refractor] #105 sells for $1,080 against $328 raw: a $752 spread, 3.3× the ungraded price. Even a PSA 9 ($900) clears the raw price after an economy-tier ~$25 fee, so a near-miss still comes out ahead. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
How much is a PSA 10 Tom Brady [Refractor] #105 worth compared with raw?
A PSA 10 Tom Brady [Refractor] #105 (Football Cards 2006 Topps Finest) sells for about $1,080 versus $328 for a raw near-mint copy — a 3.3× premium as of Jul 11, 2026.
Which grading company is best for Tom Brady [Refractor] #105?
By resale value, BGS 10 leads at $1,404, ahead of PSA 10 at $1,080. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Tom Brady [Refractor] #105 need for a BGS 10?
BGS publishes 55/45 front and 70/30 back centering as the tolerance for a 10 (Gem Mint). Off-center copies are capped below the top grade regardless of surface — measure yours before paying the fee.
Is your football card centered well enough to grade?
Centering makes or breaks a PSA 10. Scan any card with Midpoint to measure its exact centering, get a grade estimate, and see what your copy is actually worth.
Check my card free